N.B.Taylor & Co., Inc. Realtors



Posted by N.B.Taylor & Co., Inc. Realtors on 9/24/2018

Want to transform your homeownership dream into a reality? Understanding what it takes to enter the real estate market successfully is paramount for homebuyers. With the necessary preparation, you should have no trouble purchasing your dream residence.

Ultimately, there are several steps that a homebuyer should take before he or she conducts a home search, including:

1. Perform Plenty of Housing Market Research

The housing market fluctuates regularly, and a buyer's market can change into a seller's market quickly. As such, you'll want to conduct sufficient real estate market research before you start your home search so you can streamline the process of finding the perfect house.

Consider where you want to live and whether you'd like to reside close to family members and friends. Also, consider how much space you'll need from a new home, along with whether you'd like to live near schools, playgrounds and other local hot spots.

Don't forget to check out the prices of a wide range of homes, either. By doing so, you may be able to determine the price range for houses that match your needs.

2. Get Pre-Approved for a Mortgage

With pre-approval for a mortgage, you'll know exactly what you can afford as soon as you're ready to buy a house.

Banks and credit unions frequently offer a vast array of home financing options, making it simple for you to choose a mortgage that fits your budget. Fixed- and adjustable-rate mortgages are among the most popular choices for homebuyers nationwide. Meanwhile, you may be eligible for Federal Housing Administration (FHA) or U.S. Department of Veterans Affairs (VA) loans as well.

Reach out to multiple banks and credit unions to pursue all of the home financing options at your disposal. This will enable you to find the best mortgage based on your individual needs and enter the housing market with financing in hand to secure your dream home.

3. Hire an Experienced Real Estate Agent

There is no reason to enter the housing market alone. Lucky for you, experienced real estate agents are happy to help you find the perfect house.

An experienced real estate agent understands the ins and outs of the housing market and will share his or her real estate expertise with you. This professional will educate you about the real estate market and ensure that you know what to look for when you attend an open house.

Also, an experienced real estate agent will guide you along the homebuying journey. From the moment you spot your dream home to the day you finalize a purchase agreement, your real estate agent will offer the support that you need to go from homebuyer to homeowner.

Perhaps best of all, an experienced real estate agent will help alleviate your homebuying concerns. And if you ever have homebuying questions, your real estate agent will provide responses at any time.

Don't settle for a subpar home – follow the aforementioned steps, and you can move closer to discovering your ideal residence.




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Posted by N.B.Taylor & Co., Inc. Realtors on 9/17/2018

Aromatic oils have been used for millennia by cultures like the ancient Greeks and Egyptians for use in medicines and ointments. And, to this day, many of us use products containing essential oils, such as perfumes, shampoo, cleaning supplies, and even the food we eat.

More recently, essential oils have become a popular DIY ingredient for household items. In this post, I’m going to share with you some of the many household uses for essential oils and break down which oils are suited for each purpose.

Read on for tips on using essential oils in your home.

Oil diffusers


Perhaps the most common use for essential oils is in an oil diffuser that emits an aromatic steam into the air of your home. Oil diffusers are great for a desktop that you work by, particularly in the winter time when the air tends to be dry. This mist can help mitigate the effects of dry air on your throat and nasal passage, and emit a pleasant air freshening odor into the room.

There are several oils and oil blends that are used in oil diffusers. Some of the most common oils used are lavender, peppermint, and several citrus-scents like lemon, bergamot, and wild orange.

When using an oil diffuser, be sure to use only a few drops of the oil--using too much can become easily overpowering and even irritating to the skin, nose, and eyes.

Room mists

Many top-brand air fresheners use essential oils as part of their ingredients. However, they also contain a number of other additives that you might not enjoy. Essential oils give you the ability to create a blend that works for you.

Combine water with a few drops of essential oils into a spray bottle for a refreshing room mist. This solution can even be used on most fabrics--however, just like with an oil diffuser, make sure you don’t put too many drops of essential oils in your solution to protect your fabrics.

Cleaning solutions

Cleaning supplies can get expensive very quickly. Fortunately, the ingredients to make a simple all-purpose cleaner are cheap and can make over a gallon of solution that you can keep refilling as needed.

Vinegar and water-based cleaning solutions often incorporate a few drops of essential oils like peppermint, lemon, and other fresh, “clean” smelling scents.

The best part? These solutions are made from non-toxic ingredients that can typically be used on your countertops, inside microwaves, and on other surfaces that food may come into contact with.


A quick warning: essential oils are made by distilling vast amounts of plant material into very concentrated oils. This means that the oils are exponentially more potent than their plant counterparts. Overuse can easily cause rashes and irritation, so use sparingly, avoid contact with your eyes when working with oils, and always read instructions before use.




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Posted by N.B.Taylor & Co., Inc. Realtors on 9/10/2018

The amount of money you will need to ensure you can purchase a house varies based on a number of factors. For example, if you want to purchase a house in a big city, you may need to save more money than you likely would require to buy a residence in a small town. Meanwhile, your decision to choose a fixed-rate mortgage over an adjustable-rate mortgage – or vice-versa – can impact your monthly housing costs. And let's not forget about the costs of home utilities like electricity and water, either.

Ultimately, it helps to put together a homebuying budget before you embark on a house search. Because if you know how much money you have at your disposal, you can map out your house search accordingly. And as a result, you can minimize the risk of spending too much to acquire your dream residence.

Let's now take a look at three tips to help you craft an effective homebuying budget.

1. Evaluate Your Current Expenses

An in-depth assessment of your current monthly expenses is key. If you conduct an expense evaluation, you can find out how much you spend on various must-haves and wants. You then can take steps to reduce your monthly expenses and increase your savings for a new home.

It also never hurts to consult with a financial planner. If you have a financial planner at your side, you can gain expert insights to help you evaluate your current expenses. Plus, you can work with a financial planner to determine the best course of action so you can eventually buy your dream residence.

2. Get Pre-Approved for a Mortgage

Meet with a variety of banks and credit unions and explore your mortgage options – you will be happy you did. If you assess your mortgage options closely, you can find one that complements your finances. And once you get pre-approved for a mortgage, you will know how much you can spend on a house.

Generally, it is beneficial to meet with as many banks and credit unions as you can. If you consult with myriad lenders, you can receive extensive insights into many mortgage options. Best of all, you will be better equipped than ever before to find the lowest-possible interest rate on a mortgage.

3. Consider Your Down Payment Options

The down payment required for a home purchase varies, but it commonly ranges between 5 percent and 20 percent of a house's total price. If you account for a down payment as you craft a homebuying budget, you can use this total to plan ahead for the property buying journey.

Lastly, you may want to collaborate with a real estate agent as you prepare to launch a home search. In addition to helping you find your dream residence, a real estate agent can put you in touch with potential lenders and offer plenty of guidance throughout the property buying journey.

Ready to pursue a home? Use the aforementioned tips, and you create a successful homebuying budget.




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Posted by N.B.Taylor & Co., Inc. Realtors on 9/3/2018

How many times have you heard yourself say (or think) something very similar to this: "One of these days, I'm going to organize my closet(s)"? If not your closets, then it's your basement, attic, or garage that needs decluttering, organizing, and/or cleaning.

Question: Are you one of those homeowners (or apartment dwellers) who keeps saving things you don't need, and then finally gets around to sifting through it all when mountains of clutter have taken over your valuable storage space? If that sounds all-too-familiar, then don't worry; you're not alone! Unfortunately, the easiest thing about organizing your home is putting it off until another day.

There comes a point, though, at which clutter takes over your life. Symptoms you're moving in that direction include an inability to find things and the inexplicable disappearance of storage space (actually, there's a perfectly rational explanation for it)! So if the "clutter monster" has been rearing its ugly head in your home in recent months, here are some causes and possible solutions to the problem.

  • You know you have a lot of junk, but you're not sure what to do with it. Well, first of all, "one man's junk is another man's treasure," so things you no longer have any use for may be very useful to charitable groups, community fund drives, or homeless shelters. In addition to giving stuff away, you could also offer free or inexpensive things to people in your social media network, hold a yard sale, or offer gently used hand-me-downs to relatives and friends. If your unwanted stuff is actually junk (by anyone's standards), then it might be worth it to have a local junk hauling service pick it up at your house and properly dispose of it. An alternative is to rent a dumpster for a few days and fill it up at your convenience. The cost may be surprisingly affordable, and the amount of living and storage space you'll reclaim in your home will make it all worthwhile. You never know until you get a quote or two!
  • You just can't seem to motivate yourself to get started! Procrastination is one of the leading causes of household clutter, but there are solutions. One strategy is to announce to your significant other, best friend, or parents that you're going to devote two or three hours on Saturday (or Sunday) to straightening out your closets, basement, or garage. The value of telling someone else of your intentions is that it sort of puts you on the hook and makes you accountable. A similar approach is often used for dieting, exercising, or spending quality time with your kids. Even though two or three hours of work probably won't transform your home into a model of organization, you'll at least have gotten started and made a dent in the project. For most people, the biggest hurdle to getting organized is getting started!
Picking up a supply of inexpensive bins, storage compartments, and shelving at your local discount outlet, hardware store, or even neighborhood garage sale may also give you the nudge you need to get your decluttering plans moving forward!





Posted by N.B.Taylor & Co., Inc. Realtors on 8/27/2018

Dusting is something we all should be doing on a regular basis, but we may dread it. You can make the dusting process a bit easier if you do it on a regular basis. Then, follow a few simple tips to make the entire cleaning process seamless form start to finish.  


To Dust Or Vacuum?


Which came first, the dusting or the vacuuming? It only makes sense to start dusting first, as some dust will fall to the floor as you’re going over everything in your home. You should vacuum up the floor after you have dusted so you don’t need to do double the work. 


Start At The Doorway


No matter what room you start with, the best strategy is for you to start at the doorway of the room and work your way inward. You’ll also want to start high in the room and work your way down. If you have ceiling fans, high beams in the room, or hanging lights, you’ll want to dust those first. Then, dust the tops of items like bookshelves, refrigerators, and other high items in the rooms. Next, you’ll dust countertops, end tables, television stands, and other similar height items. Finally, you’ll dust the baseboards and items closer to the floor. This formula for dusting is for more of a deep clean. You can do less steps on a regular basis in order to surface clean your home without the need for hours of dusting. 


Your Furniture Will Stay In Better Condition 


The more often that you dust and care for your furniture, the better off your furniture will be. Cleaning the furniture often will prevent scratches and blemishes, keeping these pieces from showing visible signs of aging, wear and tear. Deep cleans of your home will really bring back its shine.     


There’s a few key areas of your home that you shouldn’t forget to dust from time to time.  These include:


  • Vents
  • Walls
  • Corners
  • Doors and door frames
  • Moldings
  • Light fixtures


To prevent dust, there are also a few measures that you can take. Some of these ideas includes:


  • Use doormats
  • Change air filters often
  • Brush your pets
  • Keep windows closed


All of these measures can help to keep your home cleaner and allergen-free. We often think of dusting and cleaning the things that are right in front of us. Yet, most often, dust and dirt are hiding in the places we least expect them to be. If we stay on top of cleaning, and do deep cleanings in our homes every so often, we’ll be able to keep dust and dirt away.




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